Re: How many cards[ Edited ]
09-02-2012 07:07 PM - edited 09-02-2012 07:08 PM
You can 180 cards, doesn't matter if you're responsible. I would hold off with the AMEX everyone's recommending, your baddies are still too recent in my opinion.
Not certain on this, we had a report a few months ago about someone with 20ish cards, who closed several, and got a non-trivial FICO boost.
While I can't say this isn't YMMV, I don't think the "have as many cards as you want" is a good plan: I think if you're more than something akin to one standard deviation outside the national averages, expect to have a more significant look taken at your credit report by any lender's underwriting. No different than showing a bureaucrat what they're expecting to see in my opinion.
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)
Take the myFICO Fitness Challenge